Online Banking

CD Rates

Minimum Opening Deposit	1,000.00
Minimum Balance to obtain APY	1,000.00
Term	12 months
Interest Rate	1.25%
Annual Percentage Yield	1.26%
Annual Percentage Yield is effective as of September 1, 2010.
Rates are subject to change. A penalty may be imposed for early withdrawal.

We've heard talk from business owners that it's easier to sell ice to an Eskimo than get a loan in today's economy. Our long-standing approach of partnering with businesses to make smart loans based on solid information like cash flow and debt ratio still stands. This philosophy keeps businesses growing - in the short and long term. Stop by today and talk with one of our loan officers to learn more..

Leadership

A Message from Our Chairman & CEO

As the Chairman and CEO of South Georgia Banking Company, welcome to our website. If you are seeking a bank, I hope that you will give us the opportunity to know you, serve you and work to tailor the right financial solutions for you. If you are an existing customer, thank you for your continuing loyalty and support and we hope to serve you for many years to come.

Our mission at the South Georgia Banking Company is to be the bank of choice in the communities we serve and be measured for our dedication to excellence, integrity and service beyond expectations.

We want to be part of your personal and business success. When you are ready for a better banking relationship, we hope that you will call on us.

G. Pait Willis
Chairman/CEO

Banking Officers

G. Pait Willis
Chairman and
Chief Executive Officer
229-382-4211
___________________

Melinda J. Moore
Sr. Vice President-Operations
229-382-4211
___________________

Brinson Brock
City President-Ashburn
229-567-9686
___________________

Bob Montgomery
City President-Moultrie
229-616-4211
___________________

Glenn P. Willis, Jr.
President
229-382-4211
___________________

Terry Alston
Chief Financial Officer
229-567-9686
___________________

Charles E. “Woody” Davis
Sr. Vice President
Tift Ave. Office, Tifton
229-382-8272
___________________

Roxie A. Bagwell
City President-Cordele
229-271-3000
___________________

W. Dale McGriff
Executive Vice President-
Lending
229-382-4211
___________________

Joy L. Carter
Vice President-
Human Resources
229-567-9686
___________________

David D. Keith
City President-Omega
229-528-4211
___________________

Steve Pearman
Vice President
Fourth St. Office, Tifton
229-382-1811
___________________

Board of Directors

G. Pait Willis, Chairman
CEO South Georgia Banking
Company
___________________

Jonathan E. Jones
Jones Construction Company
___________________

Jones Ponder
Retired Pond-O-Gold, Inc
___________________

Grady M. Thompson, Jr.
Bishop Well and Pump
Service, Inc
___________________

Willis Collins
Collins Farm
___________________

Lamar G. Martin
Retired Asst. Dean UGA
College of Agricultural and
Environmental Sciences
___________________

George R. Reinhardt, Jr.
Attorney, Reinhardt, Whitley,
Summerlin and Pittman, PC
___________________

Dr. Joseph M. Turner
Physician, Affinity Health Group
___________________

T. D. Hornbuckle, Sr.
T. M. Hornbuckle, Inc
___________________

Doyle M. Medders
Medders Irrigation, LLC
___________________

Ford B. Spinks, Sr.
Retired Public Service
Commissioner
___________________

Teresa Coarsey Lasseter
Former Administrator,
USDA Farm Service Agency

South Georgia Banking Company

NOTICE: South Georgia Banking Company is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments.

South Georgia Banking Company is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.